Welcome to the Mid-America Carpenters Regional Benefit Services, Inc (MACRBS) website. MACRBS is a member-service not-for-profit organization that administers the benefit plans described within this site for union members of the Mid-America Carpenters Regional Council (MACRC) and their families in Southern Illinois, Missouri, and Kansas.
Carpenters Benefit Plans consist of a health and welfare fund, multiple pension funds, a vacation fund, and an annuity fund. Each trust fund is a not-for-profit multiemployer trust established and governed under Internal Revenue Service (IRS) guidelines. The purpose of each fund is to provide specific benefits to eligible members of the Carpenters’ union. As a not-for-profit trust under federal law, all assets of the funds must be used to provide those benefits.
While MACRBS administers benefits for the participants under each plan, each benefit trust fund is governed by a board of trustees. These boards of trustees operate under strict federal guidance. They are responsible for overseeing the financial strength of the plan, making sure the plan complies with all applicable laws and regulations, and for determining the benefits available for eligible participants. View the current boards of trustees for each plan of benefits as of January 1, 2024.
Our health, pension, vacation, and annuity benefits are a result of the collective bargaining agreements (CBA) between signatory contractors and the MACRC. Within the CBA, a portion of the overall wage package negotiated between the employer and the MACRC is dedicated to benefits.
Virtual workshop series: In a series of two (2) 1.5-hour sessions, you will learn to fully prepare yourself for retirement through: Building the Foundation, Creating and Managing Wealth, Establishing your Retirement Income Stream, and Making the Most of What You Have.
Virtual Workshop: Retirement income planning essentially means turning assets into income that lasts as long as you do, while protecting that money against risks.
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